I recently had a family emergency and had to leave town to visits a family member in the hospital. Luckily, they were only 4 hours away. My wife told me she was worried because of the rain and snow that was on the road. I immediately went to my trunk to make sure that my emergency car kit had everything in case I was stuck in the snow. Did you know that in 2003 the Bureau of Transportation...

I have had recent thoughts about how to teach my children about saving for their future. I have watched as people that I know are at the point in their life where they should enjoy the golden years. Instead of enjoying their golden years they are figuring out that they will work the rest of their lives, regardless of whether they want to or not. It is very frustrating and disappointing watching...

An emergency fund is designed to protect you in case you lose your job. As talked about in an earlier post, how much should you have is debatable. Everyone has his or her own opinion on how much that should be. To help you out we have created a spreadsheet to show you how much you will need based upon your spending plan. We built upon the spending plan worksheet and the debt ratios worksheet. If...

Lenders look at several different factors when determining who to lend to and what terms to extend for the loan. The lender uses your credit score to understand your payment history. Your credit score just shows your history and does not reflect your income or your debts. You could have a high income and a low credit score. You could have a great credit score, but have over extended yourself with...